Reply
Regular Contributor
AJC1987
Posts: 130
Registered: ‎03-29-2009

Hard Inquiry Removal

I have a quick question for everyone.  Is there any way to get hard inquiries removed from my report? They are all legitimate but I just would like to know of there was anyway to get them removed sooner than the 2 year drop-off. 

 

Also, I am in the process of obtaining a mortgage, do you recomend waiting to try and get them removed until after my loan approval?

 

I already have the pre-approval but I dont want anything to be in dispute during the closing process.

 

Thanks


Starting Score: 570
Current Score: EQF: 756.... 10.25.2012 TU: 759.....10.25.2012 EXP: 744 (vantage score)..... 10.25.2012
Closed on first house! 12.10.12

Goal Score: 750


Take the FICO Fitness Challenge
Moderator
Shogun
Posts: 10,833
Registered: ‎04-15-2011

Re: Hard Inquiry Removal

They will continue to stay on your report for 2 years, only affecting your FICO scoring for 1.  There are shady methods out there, but I would not suggest trying them.  They have potential to cause you a lot of problems.


Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Going for Wade64's RUDY Spade!
Regular Contributor
AJC1987
Posts: 130
Registered: ‎03-29-2009

Re: Hard Inquiry Removal

Thanks, that's all I needed to know.  I just got my scores almost to where I want them and dont want to risk ruining them.


Starting Score: 570
Current Score: EQF: 756.... 10.25.2012 TU: 759.....10.25.2012 EXP: 744 (vantage score)..... 10.25.2012
Closed on first house! 12.10.12

Goal Score: 750


Take the FICO Fitness Challenge
Blogger
HiLine
Posts: 2,723
Registered: ‎10-19-2012

Re: Hard Inquiry Removal

Googling 'inquiry bumpage' you will find a method. 

Moderator
Shogun
Posts: 10,833
Registered: ‎04-15-2011

Re: Hard Inquiry Removal

Googling inquiry bumping and following the steps will also screw up your CR.  You can bump things off you don't want off,  split your files, etc.  


Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Going for Wade64's RUDY Spade!
Mega Contributor
RobertEG
Posts: 17,213
Registered: ‎03-19-2007

Re: Hard Inquiry Removal

Permissible purpose=authority to receive your CR.

Coding of the inquiry as so-called "hard" or "soft" is not an issue covered or restricted under the FCRA, other than pulls to obtain your name and address for promotional offers of credit.

 

Disputes over hard-coding are near impossible to support under any provision of statute or regulation, provided the inquiree has provided the CRA with a legitimate permissible purpose.  Disputes over any matters relating to inquiries are totally exempt from the direct dispute process, so must be made via the CRA.

With the CRA in possession of a stated permissible purpose, which the consumer does not even see, that kinda forcloses argument of failing to provide permissible purpose.

 

Not usually worth the time and hassle.

Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: Hard Inquiry Removal


HiLine wrote:

Googling 'inquiry bumpage' you will find a method. 


I never understood how this would be worth it the (-) definitely out weight the (+) on bumpage 

ccpics2.jpg
Regular Contributor
AJC1987
Posts: 130
Registered: ‎03-29-2009

Re: Hard Inquiry Removal

Yah i'm definitely not doing that. I would rather let them drop off on their own. Thanks everyone

Starting Score: 570
Current Score: EQF: 756.... 10.25.2012 TU: 759.....10.25.2012 EXP: 744 (vantage score)..... 10.25.2012
Closed on first house! 12.10.12

Goal Score: 750


Take the FICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+